1
Search
Start with a name and an address.
That’s often all a submission gives you: no EIN, no owner, sometimes no credit file. It’s enough to start.
No EIN needed
The size of the problem
Half of America’s small businesses have no credit report. And you’re binding them blind.
33MUS small businesses
16.5Mhave no credit report at all, and very few have owner data behind them
5.7Mnew businesses filed in 2025, while 1.13M closed
We’ve been resolving the industry’s blind spots for ten years. Let’s find yours.
Sources: SBA Office of Advocacy and US Census Bureau small business counts · Relativity6 analysis of business credit coverage and owner linkage across carrier portfolios, 2026
How it worksFour steps.
Four steps.
Enrichment follows resolution.
Enrichment is only as good as the match underneath it. So the business is resolved and verified before a single finding attaches, then everything you need to price it arrives in one snapshot, with the source behind every field.
2
Resolve
Find the one business it is.
Anyone can enrich a record. Not everyone can tell you it’s the right record.
State filings, license boards, county records, the web, and thousands more sources are searched and linked, even when they share no common key. Lookalikes are ruled out. Right company, right location, right owner.
Lookalikes ruled out
3
Verify
Nothing shown unverified.
When two sources disagree, precedence decides which record wins; nothing gets averaged. Every field carries its source and a confidence, and what we couldn’t confirm is labeled, not filled in.
Every field sourced
4
Disclose
Price, defend, renew.
Then the rest attaches to the right business: firmographics, NAICS, OSHA, licenses, adverse media, litigation. Export an audit-ready PDF, and at renewal see what’s changed since bind.
Decision-ready, audit-ready
Snapshot features
Every layer of the snapshot — and where each one came from.
Once the business is resolved, every layer below attaches to it — the public sources Marvin™ reads, and the reasoning it applies to them. Layers marked Core+ are part of the Core+ data pack.
Company registration
Legal entity, structure, and active status — so the policy attaches to a real named insured.
Property verification
Insured locations, owned vs. leased, and building characteristics behind property and BOP exposure.
Property financialsCore+
Valuation and financial signal on the locations being rated.
Online presence
Website and domain age — how established and legitimate the operator looks.
Compliance · OSHACore+
Safety citations, penalties, and repeat violations — your clearest read on workers' comp loss exposure.
Form 5500Core+
The benefit-plan filing: true headcount, plan funding, and a quiet cross-check on company size.
Sec. of State
Confirms the entity is active and in good standing, with registration date and structure.
UCC filings
Liens against business assets that reveal secured debt, leverage, and financial stress.
FMCSA · SAFER
Federal motor-carrier record: DOT authority, fleet size, inspections, and crash history.
Liquor licenses
License status and class where alcohol is part of the operation and the exposure.
OFAC · restricted lists
Treasury sanctions and watchlist screening — the compliance gate to write an account at all.
Digital riskCore+
Email authentication (SPF, DKIM, DMARC) and cyber-hygiene warning signs.
Adverse mediaCore+
Continuous news scanning for litigation, breaches, recalls, and leadership trouble.
Business risk flagsCore+
The handful of findings that actually move the price, surfaced to the top first.
Marvin™'s analysis
The synthesis — what the findings mean together, which ones move the price, and what to do before you bind.
Risk level
The verdict — high, medium or low — driven by the findings that actually change exposure, not a generic score.
Confidence
A different data layer?How much corroboration sits behind the verdict: how many sources agreed, how recent they are, and what couldn't be checked.
Looking for a source we haven't listed yet? Let's talk
Our DNA
A decade of service to the industry.
Human connection — relationship, strategy, solutions. We start with the relationship, form a strategy, and land on a solution, together. We've worked this way since 2016; here's how it shows up. Full story
2016 · The problem came first
We started with the underwriter's question.
Long before anyone put “AI” on a pitch deck, we were chasing the data underwriters needed and couldn't get to fast enough. The question they were actually asking was why is this risk priced the way it is? — and underneath it, a harder one: is this even the right company? Marvin™ was born to answer both, with the source still attached.
Ownership · why we're like this
We take wrong data personally. Your hard problems are our hard problems. That's not a value on a wall — it's why the code is right. When your data is bad, our data is bad: every client here is someone we know by name, so a wrong class code isn't a support ticket, it's a bad night. We're paranoid about wrong data — on purpose. We assume we're wrong until we've checked, and we'd rather tell you a source came back empty than hand you a confident guess.
2016
Truth · for better or worse
We don't placate.
Every decision you make faces an audit, so every finding we hand you carries its source — and when a source comes back empty, we say so instead of guessing. We're an open book, and we ask the same of you: the real fill rate is how the real solution gets built.
Collaboration over transaction
Best in industry, because it's built with you.
Your problem becomes the roadmap — what you need next is what we build next. A direct line, answered, weekends included. Not a ticket in a queue: a seat in the room, with the team that's building it.
Marvin™ Tech · what's underneath
Right company, right location, right owner — before anything else.
Marvin™ resolves the entity first — even the businesses nobody else can find — then reasons across hard-to-reach government sites, the web, and a decade of our own data. Findings are sourced, cited, or flagged. Never asserted beyond what they can back.
Today
Still here. Still learning your book.
Ten years of commercial underwriting research means we've seen most workflows, most audit standards, most renewal rhythms. What compounds is what we know about your book — year over year.
M
Our operating beliefs
If these resonate, let's have a conversation.
Ownership
We own it.
We take wrong data personally.
Your hard problems are our hard problems.
Truth
We say it.
Truth tellers — for better or worse. We don't placate.
We're an open book — and we ask the same of you.
Collaboration
We build it with you.
Collaboration over transaction.
Best in industry, because it's built with you.
The day-to-day differenceSame submission.
Same submission.
The blanks, accounted for.
Here's what changes when the research, the sourcing, and the gaps are handled for you. The time saved is real — but it's the proof, not the point.
| Without Relativity6 | With Relativity6 | |
|---|---|---|
| Which business it is | Assumed from the name on the application — a lookalike’s record can land on the file | Resolved first — right company, location and owner, lookalikes ruled out |
| Fields that came back empty | Invisible — a blank looks the same whether nobody looked or nothing was there | Labelled — searched with no data, could not verify, or not searched |
| Time to a result | ~45 min across 6–8 sources | Under 4 seconds to resolve and classify · under 60 seconds for deep research |
| Sources checked | Manual — OSHA, Secretary of State, SAFER/DOT, UCC, licenses, news, broker packet | Auto-aggregated, primary-source-linked |
| Renewal process | 2+ hours of manual investigative work | Side-by-side what-changed, flagged by magnitude |
| Data picture | Gaps between broker packets, siloed sources, incomplete data picture | Enriched after it’s resolved — one standardized report, every field sourced |
| Consistency | Depends on who's working the file | Same data picture, same evidence, every underwriter |
| Vendor relationship | A support portal and a ticket in the queue | You have the CEO's cell number — and he texts back on a Saturday |
We put our whole book through it. It came back with accounts we'd misclassified and filings that didn't match the risk — flags buried three sources deep, exposure we'd been pricing blind.
Senior UW · Regional commercial carrierFull book audit · 2025
Pilot program
Entity resolution and enrichment for your whole book.
We resolve every account to the right company, location and owner, and fill the gaps where there's no credit report. Along the way we flag businesses under the wrong class code: missed premium, a better-fit product, or accounts outside your appetite.
Apply for pilot accessWe solve your problems, not the market's. Discounted rates for select clients.
Apex National · Book Audit.
Q2 2026Carrier Portfolio Review
Total Accounts
247
Scanned in 4m 12s
Critical Alerts
8
Renewal within 45 days
Misclassified
14
NAICS / SIC mismatch
Critical8 accounts
OSHA citations, new litigation, DOT violations
Serious violations, active lawsuits, and FMCSA records not reflected in current policy files. All renewing within 45 days.
Westfield MfgSummit PropertiesLakeside Freight+5 more
Warning19 accounts
Classification mismatch & entity changes
14 NAICS/SIC mismatches surfaced for review. 5 ownership or DBA changes — named insured may no longer match.
Henderson MedNew Horizons Bk+17 more
Clear222 accounts
No material changes detected
Sources verified, classifications confirmed, no adverse signals. 3,108 sources checked. Ready for renewal.
222 clear3,108 sources
M
Marvin · Book Audit Summary
8 accounts flagged high priority — all with renewal dates in the next 45 days. 3 of 8 show repeated OSHA citations not flagged at last bind. 14 NAICS/SIC mismatches surfaced for review. Want me to queue re-classification recommendations?
Pricing
You pay for what we checked.
Start with lightweight API access or a fully embedded platform. Every engagement starts with a conversation.
API accessHosted workbenchFully embedded platform
Talk pricingEvery engagement is scoped to your book + business.
Book a demo
20 minutes — with the person who built it.
Bring a real account. We'll run it live through the workbench so you can see exactly how a snapshot forms. No generic pitches, real conversation.
What you get
Your team's workflow in real time.
Here's what you get with the Relativity6 workbench.
- Entity resolution before every finding
- Source-linked findings, every time
- Audit-ready defense exports
Typical response: < 1 business day · 20-min slot
The honest answers
Questions you actually have.
Bring a real account. We'll show you if they're who you think they are.
20 minutes, a real account, no pitch deck. We'll show you exactly what your team gets.
Are you an underwriter?Tired of tab-hopping?
Tired of tab-hopping?
We get it.
Drop your email and we'll send you a one-pager explaining what we do to whoever matters.
Built forTier 1 CarriersRegional CarriersMGAsAgencies & Brokers